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| Provider | Service type | Compensation |
|---|---|---|
HANCOCK WHITNEY BANK4+ years Filed as: WHITNEY BANK Service code 21 · EIN 72-1171087 | Bank Trustee | $36,823 |
CHARLES SCHWAB & CO., INC.4+ years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $66,509 | $73,102-9.0% | $123,553-46.2% | $56,289+18.2% |
| Participation rate | 52.8% | 74.3%-21.5pp | 82.3%-29.5pp | 69.9%-17.1pp |
| Annual return | -1.53% | 3.01%-4.5pp | 119.21%-120.7pp | -9.96%+8.4pp |
| Employer contribution / active EE | $2,318 | $2,977-22.1% | $4,628-49.9% | $2,111+9.8% |
| Participant deferral / active EE | $3,895 | $5,423-28.2% | $6,426-39.4% | $3,350+16.3% |
| Admin fee / account holder | $400 | $554-27.7% | $9,284-95.7% | $521-23.2% |